Our products
Calm water, clear cover.
Cover for Australian SMEs and trades, written under a Lloyd’s binder and backed by an underwriting team that knows where our appetite sits. Quote in Cove App, or send it to us for a same-day answer.
Coverage 01
Public Liability
Protection for businesses against third-party injury and property damage claims arising from their work.
Limits up to $20m any one occurrence
Products liability on the same limit
Principal’s indemnity where a contract requires it
Coverage 02
General Property
Cover for contents, stock, equipment and portable property, at the premises, on site or in transit.
Contents, stock and equipment
Portable property, anywhere in Australia
Easy to pair with liability on one schedule
Packaged
Trade Packs
Engineered for the trades. Public liability and tools of trade in one pack, for sole traders through to established contractors.
Electricians, plumbers, builders and more
Tools of trade and stock, on site or in transit
One submission, one schedule, one invoice
Our appetite
Know where you stand before you submit.
Appetite, clearly marked.
We write SMEs, trades, consultants, retail, hospitality and service businesses Australia-wide. Each product has a published appetite guide, so you’ll know what fits before you quote. If a client sits outside the guide, call us anyway. We’ll tell you straight.
SMEs
Trades
Consultants
Retail
Hospitality
Service businesses
Download appetite guide
How to place cover
Quote. Bind. Relax.
1
Quote online
Straightforward business quotes and binds in Cove App in minutes.
2
Or send it to us
Email the proposal and an underwriter replies the same day.
3
Bound and documented
Schedule, invoice and wording issued together.
Coming soon
More cover on the horizon.
Tax Audit
Covering professional fees when clients face an ATO or state revenue audit.
Accident & Health
Group and individual cover for SMEs, associations and affinity groups.
Gap / Disability Income Protection
Income replacement for the self-employed and small business owners.
Quote it in Cove App, or send it to us.
Bind online in minutes, or email the proposal for a same-day answer.